RESPONSE CODES | MEANINGS | Escalation Required | Notes |
|---|---|---|---|
06 | Card-issuing bank detected an error | Yes | If recurring look out for infrastructure related challenges especially around the database / delays from the bank. |
20 | Invalid Response from Financial Institution | Yes | |
21 | No Action Taken by Financial Institution | YesThe fep is not available to process request due to too much load - Reduce the band. | Port capacity filled up due to fep delay in response. escalate to the bank with samples showing delays so they can investigate |
22 | Suspected Malfunction | Yes | |
69 | Advice received too late | TBD (DB related - Slowness - 10s timeouts) | |
91 | Issuer or Switch Inoperative | Yes | Advise bank to restart their bank cashout service |
92 | Routing Error | Yes | |
96 | System Malfunction | Yes | |
51 | Not sufficient funds | NO | |
53 | No savings account | NO | |
55 | Incorrect PIN | NO | |
57 | Transaction not permitted to cardholder | YES | |
61 | Exceeds Withdrawal Limit | NO | |
65 | Exceeds withdrawal frequency | NO | |
75 | PIN tries exceeded | NO |
Please see Appendix below for all transaction response codes
...